Can you possibly meet your savings goals in 2020?

A recent “Wall Street Journal” article touted New Year’s as one of the optimal “clean slate” times to draft a financial plan. (“Ahem…unless that plan involves something foolhardy like cutting back on a newspaper that costs four dollars an issue. Just wing it. YOLO.”)

The Journal cited a survey from Fidelity Investments, showing that 67% of Americans are considering a New Year’...